Metal fabrication companies can use trade finance to buy steel and raw stock before invoicing clients, with funding decisions often reached in three to five days.
Metal fabrication starts with a heavy materials bill. Steel, aluminium, sheet and section are bought to fulfil an order, fabricated to spec, then invoiced to industrial or construction clients who pay on terms. Trade finance covers the raw metal at the point of purchase, so a job can start without the cost sitting on the company's own balance sheet.
Metal prices move quickly, so being able to buy when an order is confirmed rather than when cash allows protects a quoted margin. The facility repays as the fabricated work is delivered and the client settles, keeping the workshop busy and the next order quotable without raw stock eating every spare pound. A confirmed order can be priced, bought for and started without the materials draining the account.
Fabrication ties money up in raw metal and work in progress long before the invoice ever goes out the door. The common pressure points come up on most jobs a fabricator quotes:
Tando is human-led, so a fabricator works with a dedicated account manager who reads the order and the material spend rather than an automated platform. Decisions usually arrive in three to five days, the firm is NACFB accredited, and lending partners are FCA-regulated. A patchy credit record does not end the conversation.
A fabrication company taking on a large structural order could use a facility to buy the steel as prices stand on the day, then repay once the work is delivered and invoiced. For firms buying raw metal continuously rather than per job, a revolving credit facility can keep working capital topped up.
Direct funding for the cost of goods based on a confirmed customer order.
A globally recognised guarantee of payment to your supplier upon verification of shipping documents.
Optimising cash flow by allowing you to pay suppliers early while extending your own payment terms.
Yes. The facility pays the steel supplier when the order is placed, so fabrication can start without the raw metal cost coming out of your own cash. You repay once the finished work is delivered and the client pays. That lets a fabricator take on a sizeable structural order without tying up the funds needed for the rest of the workshop.
It can. When steel or aluminium prices are moving, buying the moment an order is confirmed protects the margin you quoted. Trade finance funds that purchase straight away rather than waiting for cash to free up, so a rising market does not erode the job. Your account manager structures the facility around how and when you buy raw metal.
Often, yes. Tando regularly places fabricators with bad credit or a bounced payment that other brokers turn down. The confirmed order and the material spend matter more than a single past problem. Lending partners are FCA-regulated and assess the business as it stands today, so an earlier difficulty does not automatically rule out a sensible facility.
Facilities typically run from 75,000 to 500,000 pounds, sized to your raw metal spend and live order book. Firms turning over 200,000 pounds or more a year fit best. Because steel orders can be large and prices move, the right figure usually tracks the scale of the jobs you are quoting rather than a flat limit.
Usually within three to five days, and sometimes within hours when a price or a delivery slot is at risk. A dedicated account manager handles the case directly rather than an automated system, so a steel order can be funded quickly enough to lock in a price before the market moves and the job starts on schedule.
Repayment is tied to your job cycle. The facility pays the metal supplier at the point of order, and you repay once the fabricated work is delivered and the client has paid. That keeps the cost aligned with the job rather than a rigid monthly figure, so funding does not fall due before the work it paid for has been invoiced.
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Tando Capital Limited (trading as Tando Capital), registered at Suite 74 Paycocke Road, Basildon, SS14 3HX . Tando Capital is not authorised by the Financial Conduct Authority and can only complete non-regulated introductions. We work with a Panel of Lenders whose particulars will be supplied upon request. ICO Number ZB748553- We will receive commission from lenders. Different lenders pay different amounts depending on different commission models. For transparency we work with the following commission models: percentage of the amount you borrow and rate for risk (this is based on the risk profile of the business). Further details of the commission model, calculation and amount will be disclosed to you throughout your customer journey.’
